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Question of the Month

Most, if not all, homeowners policies contain liability and medical payments exclusions pertaining to activities involving certain types of motor vehicles and watercraft, and all types of aircraft (except for hobby or model aircraft). Since many homeowners own or use such vehicles, questions may arise as to how and when the liability exclusions apply, whether there are any exceptions to the exclusions, and how a parent's alleged negligent entrustment of such vehicles to children affects coverage for a liability claim.

The article on the Dwellings M.15 pages addresses these questions, and cites various court cases in which the judicial thinking on the subject of motor vehicle, watercraft, and aircraft liability exclusions is presented. See Motor Vehicle, Watercraft, and Aircraft Liability Exclusions.